AEON iCASH Personal Financing

This is a simple AEON Personal Financing with express approval and flexible repayments. Pay at low monthly profit rates for up to 7 years!

AEON iCASH Personal FinancingExpress Approval
Profit Rate
from 7.92% p.a.
up to RM100k
up to 7 years
Min. Income

Loan calculator

Profit rates

How much the bank charges you based on your loan amount & loan period

Financing ValueFinancing periodYour incomeProfit Rate
RM1,000 - RM100,0006 to 84 monthsmin. RM24,0007.92% p.a.
RM1,000 - RM10,0006 to 60 monthsRM18,000 to RM24,00014.4% p.a.

Fees & Charges

Profit Rate / APR
As low as 7.92% p.a., depending on financing amount and period
Processing Fee
from 2% to 4% of the financing amount
Stamp Duty
 0.5%  of the whole amount
Early Termination Fee
Late Penalty Fee
from RM18 to RM40, subject to terms and conditions


Minimum Annual Income
Minimum Age
  • 18 to 65 years old
Who can apply
  • Malaysians
  • Salaried employee
  • Government employee

More Information

In need of cash to meet your children's college fees or expensive medical bills? Or maybe going on a holiday or for DIY home improvement? A personal financing plan like AEON iCASH Personal Financing can help bridge the financial gap without breaking the bank!

Tell me about AEON iCASH Personal Financing.

AEON iCASH Personal Financing is an unsecured Islamic personal financing with high financing limit and low monthly profit rates. This Islamic personal financing is easy to apply and does not require security deposit or guarantor.

You can borrow a minimum of RM1,000, up to RM100,000 from AEON iCASH Personal Financing and repay the Islamic facility over flexible terms between 6 to 84 months.

Who can apply for AEON iCASH Personal Financing?

AEON iCASH Personal Financing opens to Malaysian citizens working in the private sector and uniform body such as police and military, with minimum income of RM1,500 every month.

Is there a special promotion rate with AEON iCASH Personal Financing?

Yes. For a limited time only and subject to terms and conditions, you can borrow any amount between RM1,000 to RM100,000 at low profit rate starting from 0.66% per month.

Monthly Gross IncomeMax Financing Amount Max TenureMonthly Profit Rate
RM2,000 and aboveRM100,00084 months0.66% - 1.50%
up to RM2,000RM10,00060 months1.20% - 1.50%

This special promotion rate will be calculated to your financing amount, provided that you have submitted completed form and supporting documents via RinggitPlus too. 

Your approved borrowing amount will depend on your income and AEON Credit's assessment.

How fast can I get my money?

Typically, AEON takes within 3 days to process and approve your iCASH Personal Financing application. Interestingly, you can get your approved money disbursed to your chosen savings or current account even on Sunday!

Before you can get your hand on the money, you are required to sign the Sales & Purchase Agreement at the respective AEON Credit's counter. Then you can withdraw the money from any ATM machines.

If you have the AEON Credit Prepaid MasterCard, you can have your funds transferred to your card for up to RM10,000 and withdraw at your nearest AEON Credit Branch.

How do I pay the money back?

Payments of your iCASH Personal Financing facility should be made by the 2nd day of every month. There are various payment channels provided such as internet banking, ATM transfer, interbank GIRO, cash and cheque deposit machine and over the counter at AEON Service Centre. 

At anytime you are late on your monthly payment, you will be charged with a penalty between RM18 to maximum RM40.

What is the cost of obtaining AEON iCASH Personal Financing?

There is a processing fee of 4% for financing amount below RM10,000. Planning to finance more than that? Enjoy only 2% processing fee for amount between RM10,001 and RM100,000, capped at RM400.

Can I pay my AEON iCASH Personal Financing off early?

Of course. You can finish paying your iCASH Personal Financing facility as soon as you wish with no charges at all!

What documents do I need to prepare for AEON iCASH Personal Financing application?

First of all, you need to be a Malaysian citizen aged 18 years old and above with a minimum net income of RM1000 per month. Together with your application form, you need to provide all these supporting documents:
If you're a Salaried Employee:

  • Original NRIC
  • Latest EPF statement
  • Latest 3 months salary slip / 6 months for non-permanent or commission-based staff
  • Latest 3 months salary-crediting bank statement / 6 months non-permanent or commission-based staff
  • Bank statement / saving account passbook (for verification purpose)
  • Latest BE form and Tax payment receipt (optional).

If you're Self-Employed:

  • Original NRIC
  • Company Business Registration Certificate (ROC & ROB) and
  • Latest 6 months Company's principle current account statement either, or
  • Latest updated bank saving account passbook or bank statement (for verification purposes), or
  • Latest Form BE/E form & Tax payment receipt.